Updating to include appraisal! Came in tiny bit over contract. They have also updated our official closing date to 12/30/16! We have a small list of repairs the seller is to get done prior to close. We are really pushing it! The last day of the year we could possibly close!! Wish me luck!

Re: December 2016 closers???

It's finally my turn!!! From a Chapter 13 to Chapter 7 to a recent collection after bankruptcy from a 569 mid score to 685!! If I can do it, anybody can!!!Housing Type: New ConstructionSigned Contract: 6/18/16Location: Jacksonville, FLType of loan: FHA(mid score 685)Loan rate: 3.875Appraisal: 203KCleared to close: 12/30/16Final walk through: 12/29/16 - Did walk through with construction supervisor last week for anything that needed to be fixed before closingClosing date: 12/31/16Closed on: 12/31/16

EDIT: Closing is scheduled for 11:00am tomorrow 12/31/16. Just in time for New Years!! To everyone with credit challenges - BK, low credit scores, collections.. whatever the issue might be.. We did not get ourselves into these issues over night so they will not be corrected overnight.. Start with a game plan.. stay focused and not that everything takes time.. You can do it!!

Our whole process was quite an ordeal. 5/3 bank (who held our current mortgage for 10 years) was terrible as far as communication throughout the process including taking 2 mos to give us the appraisal which was low while telling us everything was fine during the wait. Caused quite an issue as we were ready to close and didn't realize we were upside down on the appraisal which caused us to write VP's and raise an uproar. We worked it out but not really in our favor. Will be closing our bank accounts with them and will not refer anyone to apply for a mortgage though them.

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